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2 thumbs down for Khols Charge Card

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2 thumbs down for Khols Charge Card

I contacted Khols and asked for the date that they report to the credit bureas. They give me the I have no idea when. They tell me to contact the credit bureas to find out. I asked for a supervisor and I get the same standard answer of we have no way of knowing and I needed to contact the credit bureaus. SMH this am.....

Message 1 of 10
9 REPLIES 9
Valued Contributor

Re: 2 thumbs down for Khols Charge Card

Think mine reported after the first billing cycle was completed.


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Message 2 of 10
Valued Contributor

Re: 2 thumbs down for Khols Charge Card

Unless it's US BANK.... it's random when things get reported each month for account holders.  Check your reports!  Usually for your specific account it there should be a couple day spread of when it gets reported.  Even w/ CK you can see when balances change on your weekly updates if you go under "see ehat's changed".

500K+ TCL / 800+ FCOs
Message 3 of 10
Community Leader
Mega Contributor

Re: 2 thumbs down for Khols Charge Card


@Johnmccoy2710 wrote:

I contacted Khols and asked for the date that they report to the credit bureas. They give me the I have no idea when. They tell me to contact the credit bureas to find out. I asked for a supervisor and I get the same standard answer of we have no way of knowing and I needed to contact the credit bureaus. SMH this am.....


 

What's the hurry? 

Longer it takes them to report, further you are from new account penalty.

I cant imagine Kohls card having a significant SL to help with utilization. It will happen soon enough. 

 

EX 759 EQ 774 TU 753


Message 4 of 10
Established Member

Re: 2 thumbs down for Khols Charge Card

I have had the account open for several months now. It is reporting to all 3 bureaus. I was trying to figure out on which date they report to the credit bureas so i know to have my balance paid in full by that day.

Message 5 of 10
Moderator

Re: 2 thumbs down for Khols Charge Card

In that case, it's an easy one.  They always report the statement balance.  The balance on the day of the month that your statement closes will ALWAYS be the one reported, even if it's not reported to the credit bureaus for a few days.  Some credit monitoring services will show the "last updated" date (not just month and year) for the card, though.  But again, the balance on that date is not what will be reported, it will be the statement balance.  Here's mine on Credit Karma.

 

kohls.png


Message 6 of 10
Valued Contributor

Re: 2 thumbs down for Khols Charge Card


@Johnmccoy2710 wrote:

 have my balance paid in full by that day.


If you're trying to beat the UTIL reporting then pay it before your STATEMENT closes each month.  What's reported typically is the statement balance from each creditor.  The reference above of US Bank is just one example of a lender that reports whatever your balance is at the end of the month and not the statement balance.

500K+ TCL / 800+ FCOs
Message 7 of 10
Community Leader
Mega Contributor

Re: 2 thumbs down for Khols Charge Card


@Johnmccoy2710 wrote:

I have had the account open for several months now. It is reporting to all 3 bureaus. I was trying to figure out on which date they report to the credit bureas so i know to have my balance paid in full by that day.


With a few exceptions, most lenders report statement balance. The actual reporting occurs either same day or within a couple  days of statement date . Then it's up to CRA to update CR. Update time varies between different CRA, usually EX is fastest, EQ second and TU takes their sweet time. 

 

If you want to show $0.00 utilization, pay a few days before statement closes so there is enough time for your payment to post. 

 

 

EX 759 EQ 774 TU 753


Message 8 of 10
Community Leader
Valued Contributor

Re: 2 thumbs down for Khols Charge Card

Pay before the statement cuts if you’re trying to manage utilization. The statement balance is WHAT will get reported to the bureaus. As to WHEN the statement balance will get reported, I can’t say unfortunately.
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Message 9 of 10
Community Leader
Super Contributor

Re: 2 thumbs down for Khols Charge Card

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Message 10 of 10
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